Games of chance are a way to make a fortune — and perhaps a better way to lose one. Investment is simply a longer term game of chance where skills are involved.
Resources. This activity requires one workweek of effort plus a stake of at least 10 gp, to a maximum of 1,000 gp or more, as you see fit.
Resolution. The character must make a series of checks, with a DC determined at random based on the quality of the competition that the character runs into. Part of the risk of gambling is that one never knows who might end up sitting across the table.
- For gambling, the character makes three checks: Wisdom (Insight), Charisma (Deception), and Charisma (Intimidation).
- For investment the checks are Intelligence (Investigation), Wisdom (Perception), and Charisma (Persuasion).
If the character has proficiency with an appropriate gaming set, that tool proficiency can replace the relevant skill in any of the checks. The DC for each of the checks is 5 + 2d10; generate a separate DC for each one. Consult the Gambling Results table to see how the character did.
Gambling Results
| Result | Value |
|---|
| 0 successes | Lose all the money you bet, and accrue a debt equal to that amount. |
| 1 successes | Lose half the money you bet. |
| 2 successes | Gain the amount you bet plus half again more. |
| 3 successes | Gain double the amount you bet. |
Complications. Gambling tends to attract unsavory individuals. The potential complications involved come from run-ins with the law and associations with various criminals tied to the activity. Every workweek spent gambling brings a 10 percent chance of a complication, examples of which are on the Gambling Complications table.
Gambling Complications
| d6 | Complication |
|---|
| 1 | You are accused of malfeasence or cheating. You decide whether you actually did cheat or were framed.* |
| 2 | The town guards raid the business or gambling hall and throw you in jail.* |
| 3 | A noble in town loses badly to you and loudly vows to get revenge.* |
| 4 | You won a sum from a low-ranking member of a criminal organisation, and the organisation wants its money back. |
| 5 | A local crime boss insists you start frequenting the boss’s gambling parlor or investing in his/her operations and no others. |
| 6 | A high-stakes gambler/investor comes to town and insists that you take part in a game. |
*Might involve a rival
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